Applications / Mortgage Analytics / Lenders / Kentucky / Wilson & Muir Bank & Trust Company
Bardstown, KY · State non-member bank · FDIC · $844 million assets · 352 loans in 2025
Wilson & Muir Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
352
loans originated, 2025
399
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wilson & Muir Bank & Trust Company is a Kentucky bank that makes government-backed loans most of its peers do not, and it is gaining share around Louisville and Elizabethtown.
Loans insured by the Federal Housing Administration (FHA) made up 6.0% of its lending, and loans guaranteed by the Department of Veterans Affairs (VA) 1.7%. Another 2.0% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), a higher share than at about nine in ten similar lenders, meaning state non-member banks making between half and twice as many loans. The typical peer makes none of these.
In Elizabethtown its share rose from 1.0% to 1.3%, ranking 16 of 193 lenders. In Louisville it rose from 0.5% to 0.6%, ranking 49 of 510. United Wholesale Mortgage leads both markets. Its loans rose 6% to 352, a little slower than the 9% at its peers.
It denied 2.2% of first-lien home-purchase applications, against 4.9% at similar lenders, lower than more than four in five of them. Home purchases made up 69.0% of its loans. Some 21.3% went to low- and moderate-income neighborhoods, against 16.5% at its peers, a higher share than about seven in ten.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wilson & Muir Bank & Trust Company took 399 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.0% · Refinance 25.9% · Other 3.4% · Home improvement 1.7%
Conventional 90.3% · FHA 6.0% · USDA (RHS or FSA) 2.0% · VA 1.7% · of 352 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 341 | 96.9% |
| Indiana | 9 | 2.6% |
| Missouri | 1 | 0.3% |
| Wisconsin | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 220 |
| Elizabethtown | 47 |
| Bowling Green | 5 |
| Lexington-Fayette | 5 |
| Appleton | 1 |
| Cincinnati | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Kansas City | 1 |
| Owensboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TMWSYX6B5ZOK69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 899343 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317040 | 2004–2017 |
Established 18 December 1865. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Wilson & Muir Bank & Trust Company's data.
Wilson & Muir Bank & Trust Company's data
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Wilson & Muir Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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